随着网络微小企业的迅猛发展,必然也会带采相应的信贷需求。但是,网络微小企业仍然存在交易规模较小、交易分布比较广泛且次数较多并且极易受到市场变化带来的影响,这是造成网络微小企业贷款困难的重要原因,这也就体现岀网络微小企业贷款信用评价体系的必要性。该文对我国目前的网络微小型企业信贷评价体系中存在的局限性以及选择信贷客房的原则进行了分析。 With the rapid development of micro-enterprises in the network, it will inevitably bring along the corresponding credit demand. However, the existence of small businesses in the network still has a small transaction scale, the transaction is more widely distributed and the number of times and vulnerable to market changes, which is caused by the network of micro-enterprises an important reason for the difficulty of loans, which also reflects the tiny network The Necessity of Credit Evaluation System of Enterprise Loans. This article analyzes the limitations of credit rating system and the principle of selecting credit rooms in the current micro-enterprise network in our country.